Temenos AGWBO:TEMN -0.78%58 FCF Margin % is 24.92% as of Mar. 2026, which is 14% below its 10-year median of 28.88. GuruFocus rates WBO:TEMN with a GF Score™ of 58/100 and a GF Value™ of €76.76 (Fairly Valued). The stock has 2 warning signs investors should review. Among 2,814 Software companies, Temenos AG ranks better than 91.9% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Temenos AG's Free Cash Flow for the
three
months ended in Mar. 2026 was €54.5 Mil. Temenos AG's Revenue for the
three
months ended in Mar. 2026 was €218.8 Mil. Therefore, Temenos AG's FCF Margin % for the quarter that ended in Mar. 2026 was 24.92%.
The historical rank and industry rank for Temenos AG's FCF Margin % or its related term are showing as below:
WBO:TEMN'
s FCF Margin % Range Over the Past 10 Years
Min: 20.31 Med: 28.88 Max: 37.02
Current: 25.98
During the past 13 years, the highest FCF Margin % of Temenos AG was 37.02%. The lowest was 20.31%. And the median was 28.88%.
WBO:TEMN's FCF Margin % is ranked better than 91.9% of 2814
companies
in the Software industry
Industry Median: 2.41
vs WBO:TEMN: 25.98
Temenos AG FCF Margin % Related Terms
Temenos AG FCF Margin % Historical Data
* Premium members only.
The historical data trend for Temenos AG's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WBO:TEMN vs UBER, SHOP, CRM: FCF Margin % Comparison
For the Software - Application subindustry, Temenos AG's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Temenos AG FCF Margin % vs Software Industry
For the Software industry and Technology sector, Temenos AG's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Temenos AG's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Temenos AG (WBO:TEMN) has a FCF Margin % of 24.92% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Temenos AG and its competitors. This is 14% below median its historical median of 28.88. Over the past decade, Temenos AG's FCF Margin % has ranged from 20.31 to 37.02. According to the industry distribution chart, Temenos AG ranks #228 out of 2814 companies in the Software industry, placing it in the top 8.1%.
Is Temenos AG's FCF Margin % too high?
Temenos AG's current FCF Margin % of 24.92% is 14% below median its 10-year median of 28.88. Over the past 10 years, this metric has ranged from a low of 20.31 to a high of 37.02. The Software industry median FCF Margin % is 2.41. Temenos AG's value of 24.92% is 934% above this industry median. Based on the distribution chart, Temenos AG ranks #228 out of 2814 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Temenos AG has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Temenos AG's FCF Margin % compare to UBER and SHOP?
According to the Software industry distribution chart, Temenos AG ranks #228 out of 2814 companies for FCF Margin %. This places Temenos AG in the top 8% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 2.41. Temenos AG's value of 24.92% is 934% above this benchmark. Historically, Temenos AG's own FCF Margin % has ranged from 20.31 to 37.02 over the past decade. While the company's 10-year median is 28.88 vs. the industry median of 2.41, Temenos AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.41, based on 2,814 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Temenos AG's current FCF Margin % of 24.92% is 934% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Temenos AG and its competitors. For the Software industry, the median FCF Margin % is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Temenos AG's current FCF Margin % is 24.92%, which is 14% below median its own 10-year median of 28.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Temenos AG stock overvalued right now?
Based on GuruFocus' analysis, Temenos AG (WBO:TEMN) is currently considered Fairly Valued. The stock's GF Value™ is €76.76, compared to a current price of €70.35 — trading 8.4% below its estimated fair value. The current FCF Margin % is 24.92%, which is 14% below median its 10-year median of 28.88 and 934% above the Software industry median of 2.41. Temenos AG's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Temenos AG (WBO:TEMN), the current FCF Margin % is 24.92% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Temenos AG (WBO:TEMN) Overvalued in 2026?
Based on GuruFocus' analysis, Temenos AG stock appears to be undervalued.
The current stock price of €70.35 is trading 8.4% below its estimated GF Value™ of €76.76.
GuruFocus considers Temenos AG to be Fairly Valued.
Key valuation signals for WBO:TEMN:
FCF Margin %: 24.92% (14% below median its 10-year median of 28.88)
GF Value™: €76.76 vs. price of €70.35 (8.4% below fair value)
Industry Position: 934% above the Software median (#228 of 2814)
No single metric tells the full story. See the WBO:TEMN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Temenos is a Swiss company that provides banking software to financial institutions around the world. Its main product is core banking software that helps banks manage accounts, customer information, transaction processing, loans, security, and financial reporting. Besides core banking software, Temenos offers products for digital banking, payments, wealth management, compliance, and analytics to help banks improve customer experience and meet regulatory requirements.
58GF Score
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